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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,269 | $107,368-93.2% | $92,915-92.2% | $152,909-95.2% |
| Participation rate | 40.0% | 79.8%-39.8pp | 76.0%-36.0pp | 82.5%-42.5pp |
| Annual return | 50.23% | 145.64%-95.4pp | 109.45%-59.2pp | 345.46%-295.2pp |
| Employer contribution / active EE | $1,029 | $4,222-75.6% | $3,653-71.8% | $4,764-78.4% |
| Participant deferral / active EE | $1,933 | $4,848-60.1% | $4,238-54.4% | $5,851-67.0% |
| Admin fee / account holder | $505 | $7,082-92.9% | $5,796-91.3% | $11,601-95.6% |